Hello where do I begin?
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are you talking about delayed retirement credits?
yes
 Social Security retirement benefits are increased by a certain percentage depending on date of birth if you delay your retirement beyond full retirement age
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Have you reached full retirement age?
ok thank you
what if you reached retirement age?
Does the person get to decide to delay retirement?
yes
what if i reached full retiremtnt age?
you can choose to start receiving benefits before the month you apply
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where can i get information on early retirement
click Retirement Information for Medicare Beneficiaries
